Cheapest Car Insurance Quotes in Three Lakes

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Three Lakes Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Three Lakes

The car insurance rate in Three Lakes is $711 for a six-month policy, which is $34 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $293, making it a popular choice for budget-conscious drivers. Rates in Three Lakes can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Three Lakes

$711

Avg. Car Insurance in Wisconsin

$677

National Average

$1140

Cheapest Car Insurance Companies in Three Lakes

1st place: AAA

At $293 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in Three Lakes.

Three Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Three Lakes, WI is AAA, offering policies at just $293 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $437.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $798 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Three Lakes drivers find the best deals.

Cheap Car Insurance Companies in Three Lakes, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$293	$49
West Bend Mutual	$437	$72
IMT Insurance Company	$480	$82
Auto-Owners Insurance Co	$486	$81
Chubb	$499	$85
Acuity	$537	$90
American Family	$543	$91
Travelers	$555	$93
Erie	$649	$109
USAA	$755	$127
Rockford Mutual	$792	$134
Nationwide	$855	$144
Rural Mutual	$880	$149
State Farm	$880	$148
Progressive	$1029	$173
Farmers	$1097	$183
Allstate	$1273	$214
Secura	$674	$112
Hastings Mutual	$798	$135

Key Takeaways

Way's key takeaways about car insurance in Three Lakes

The auto insurance costs in Three Lakes fall around $293 for six months.
The cheapest auto insurance company in Three Lakes is AAA.
Teen drivers pay the highest rate in Three Lakes at $671 per month.

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Cheapest Minimum Liability Car Insurance in Three Lakes

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Three Lakes are given below.

AAA provides the cheapest minimum car insurance coverage in Three Lakes. Their Average 6 Month Premium is $125. Secura is the most expensive at $168 for the same period.

Cheapest Liability Coverage in Three Lakes, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$125	$21
Rural Mutual	$138	$23
Western National	$150	$25
Erie	$168	$28
USAA	$181	$30
West Bend Mutual	$187	$32
Auto-Owners Insurance Co	$193	$33
Acuity	$200	$34
American Family	$206	$35
Travelers	$206	$35
Progressive	$212	$36
Chubb	$218	$37
State Farm	$237	$40
Farmers	$368	$63
Allstate	$486	$82
Secura	$168	$28

Cheapest Full Coverage Car Insurance in Three Lakes

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Three Lakes is AAA at $49 per month and $293 for six months.

Cheapest Full Coverage Car Insurance Quotes in Three Lakes, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$293	$49
West Bend Mutual	$437	$72
IMT Insurance Company	$480	$82
Auto-Owners Insurance Co	$486	$81
Chubb	$499	$85
Acuity	$537	$90
American Family	$543	$91
Travelers	$555	$93
Erie	$649	$109
USAA	$755	$127
Rockford Mutual	$792	$134
Nationwide	$855	$144
Rural Mutual	$880	$149
State Farm	$880	$148
Progressive	$1029	$173
Farmers	$1097	$183
Allstate	$1273	$214
Secura	$674	$112
Hastings Mutual	$798	$135

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Average Car Insurance in Three Lakes by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Three Lakes, WI increasing?

Despite maintaining a clean driving record, your car insurance rates in Three Lakes, Wisconsin, may be increasing due to several external factors. Wisconsin has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Three Lakes's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Three Lakes

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$503
30s	USAA	$404
40s	USAA	$366
50s	USAA	$348
60s	USAA	$362
70s	USAA	$446

Cheapest Car Insurance Rates for Teen Drivers in Three Lakes,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Three Lakes at $35 per month. At $4023 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$206	$35
Travelers	$212	$36
Auto-Owners Insurance Co	$244	$41
Western National	$244	$41
West Bend Mutual	$274	$46
USAA	$904	$152
Erie	$929	$156
American Family	$1122	$189
Acuity	$1709	$288
State Farm	$1971	$332
Progressive	$2844	$479
Allstate	$3749	$631
Farmers	$4023	$671

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Three Lakes.

As young drivers face the highest rates in Three Lakes, USAA offers the cheapest auto insurance rates at $503 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Three Lakes, Western National is the cheapest car insurance provider. At $156 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Three Lakes is Allstate, offering rates of around $1933 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
AAA	$174	$29
West Bend Mutual	$225	$38
Chubb	$250	$42
IMT Insurance Company	$250	$42
Travelers	$293	$49
Acuity	$617	$104
American Family	$711	$120
State Farm	$761	$127
Erie	$823	$139
Progressive	$961	$162
Allstate	$1933	$329

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Car Insurance Rates with An Accident in Three Lakes

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Three Lakes, WI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Three Lakes

The cheapest car insurance companies after an at-fault accident in Three Lakes include Western National and Rural Mutual, offering $156 and $181, respectively. Allstate is an expensive provider with an average six-month premium of $1896.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
Rural Mutual	$181	$30
Auto-Owners Insurance Co	$237	$40
AAA	$244	$41
Chubb	$250	$42
Travelers	$250	$42
West Bend	$261	$44
West Bend Mutual	$312	$54
Auto-Owners	$324	$54
Erie	$499	$84
USAA	$499	$84
American Family	$755	$127
Acuity	$792	$133
State Farm	$798	$134
Farmers	$1509	$252
Progressive	$1678	$282
Allstate	$1896	$319

Three Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Three Lakes WI. For example, the car insurance in Three Lakes after a DUI increases to $830 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Three Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$891	$149
One Med/PIP claim	$898	$152
Not-at-fault accident	$936	$156
One comp claim	$948	$162
Two Med/PIP claims	$961	$160
Failure to show documents	$973	$166
Driving with expired registration	$998	$166
Failure to wear a seat belt	$1004	$171
Two comp claims	$1023	$170
Driving without lights	$1061	$181
Child safety restraint	$1067	$177
Speeding 6 - 10 MPH over limit	$1073	$183
At-fault accident - less than $1000	$1086	$181
Cell phone violation	$1092	$186
Driving too slowly	$1097	$183
Failure to yield	$1097	$187
Speeding in school zone	$1097	$183
Illegal turn	$1104	$188
Speeding 11 - 15 MPH over limit	$1104	$184
Speeding 16 - 20 MPH over limit	$1104	$188
Texting while driving	$1104	$184
Wrong way/wrong lane	$1104	$188
Failure to stop at a red light	$1116	$186
Following too closely	$1116	$190
Improper passing	$1148	$191
Passing school bus	$1167	$198
In 65 MPH zone	$1229	$205
At-fault accident - $1000-$2000	$1279	$217
Speeding 21 - 25 MPH over limit	$1279	$213
Operating a vehicle without permission	$1285	$218
At-fault accident - greater than $2000	$1292	$215
Open container	$1303	$222
Reckless driving	$1684	$280
Racing	$1691	$288
Refusal to submit to a chemical test	$1703	$284
Driving with a suspended license	$1709	$291
Leaving scene of an accident/hit and run	$1716	$286
DUI	$1721	$293

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Three Lakes after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Three Lakes.

The cheapest car insurance premiums in Three Lakes are offered by Western National at $156 for a six-month policy. However, it can be as expensive as $1515 with companies like Allstate.

Three Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
Chubb	$250	$42
Travelers	$293	$49
West Bend	$350	$58
Kemper	$356	$61
USAA	$655	$110
Erie	$679	$114
American Family	$774	$130
Progressive	$929	$156
State Farm	$998	$168
Farmers	$1453	$247
Acuity	$1466	$245
Allstate	$1515	$255

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Three Lakes are offered by Western National at $156. However, it can be as expensive as $1409 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Three Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
AAA	$200	$34
Auto-Owners Insurance Co	$218	$37
Travelers	$244	$41
Chubb	$250	$42
West Bend Mutual	$287	$48
Erie	$443	$75
State Farm	$518	$87
American Family	$524	$88
Acuity	$624	$105
Progressive	$823	$139
Allstate	$1409	$239

Car Insurance Price Trends in Three Lakes, Wisconsin

Car insurance rates in Three Lakes have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Three Lakes rose by $131 in December compared to $128 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Three Lakes rose to $36 in December, compared to $34 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Three Lakes?

The car insurance in Three Lakes is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Three Lakes?

The cheapest car insurance in Three Lakes is $49 per month for full coverage.

How much is car insurance in Three Lakes for teenagers?

Car insurance for teenagers costs $206 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Three Lakes?

The average cost of car insurance is $677 for a six-month policy. It will cost around $120 per month to insure your car in Three Lakes.

Is car insurance expensive in Three Lakes?

Car insurance can be expensive in Three Lakes if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Three Lakes can be affordable.

Cheapest Car Insurance Quotes in Three Lakes

Why you can trust Way?

How Much Is Car Insurance in Three Lakes

Avg. Car Insurance in Three Lakes

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Three Lakes

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Three Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Three Lakes, WI

Way's key takeaways about car insurance in Three Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Three Lakes

Cheapest Liability Coverage in Three Lakes, WI

Cheapest Full Coverage Car Insurance in Three Lakes

Cheapest Full Coverage Car Insurance Quotes in Three Lakes, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Three Lakes by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Three Lakes, WI increasing?

Car Insurance Premiums by Age in Three Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Three Lakes,WI

If you are in your twenties USAA is the best choice for car insurance in Three Lakes.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Three Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Three Lakes

Three Lakes Car Insurance Rates by Violation

Three Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Three Lakes after a DUI

Three Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Three Lakes after Speeding ticket

Car Insurance Price Trends in Three Lakes, Wisconsin

Average Car Insurance Cost in Three Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Three Lakes, WI

Car Insurance Rates by State in the USA (2025 Update)

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